When, for example, you have a $500,000 mortgage with interest, or a $1 million debt due to failed business, those little expenses that you've listed do not even count.
When it is deep below freezing (as low as -20), you aren't going to be able to ride a bike to your work, and heating bills will be high...
"Life is a struggle. Life will throw curveballs at you, it will humble you, it will attempt to break you down. And just when you think things are starting to look up, life will smack you back down with ruthless indifference..."